California Auto Insurance | The Insurance Place in Carlsbad, California

Auto Insurance

To drive anywhere in California, not just in and around San Diego, you must follow state laws for auto insurance coverage. This is designed to protect you and other motorists on the state’s roadways.

You not only need auto insurance if you are pulled over by law enforcement, but you must have proof of insurance to register your vehicle with the California DMV (Department of Motor Vehicles). You will also likely need insurance to finance a vehicle, whether you are buying new or used.

The minimum auto coverage you must carry is:

$15,000 for injury or death to one person
$30,000 for injury or death to more than one person
$5,000 for property damage

You do not want to be caught without the property auto insurance in California. If you are at fault in an accident without auto insurance coverage, and you receive a legal judgment against you, you could lose your home, your business, or your personal assets to cover the damages.

Fortunately, you can purchase reasonably priced auto insurance from The Insurance Place. Because we are independent agents, we have access to a huge range of auto insurance products. We always work with our clients to find the best solutions for their insurance and budget needs.

One way to manage the purchase of auto insurance within a budget is to balance your premium (the cost of the insurance) with your deductible (the small amount you pay out of pocket before your insurance kicks in if you have to file a claim). Usually, the higher the deductible, the lower the premium, and vice versa.

You can also select additional coverage for peace of mind:

Increased liability coverage: great for new and young drivers
No-fault liability insurance: regardless of who is at fault in an accident, you and your passengers are covered
Collision coverage: pays for repairs to or replacement of your vehicle after an accident, so you can get back to normal ASAP
Comprehensive coverage: includes protection from theft, vandalism, and loss of your vehicle to many natural disasters, such as fire

Give us a call today at 760-643-2100 or reach out online to tell us how we can help with auto insurance. You’ll be able to drive legally and enjoy California’s beautiful highways and scenic roads knowing you’re protected.